Unsecured retail credit cost normalization
Delinquencies in personal loans and credit cards have risen over the past year; further increase could push overall credit costs above the current 40-50 bps range.
ICICIBANK / Q2-FY25 / risks
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ICICI Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
NIM compression from deposit repricing
Cost of deposits rose 4 bps QoQ to 4.88%, and further marginal increases are expected, which could pressure NIM if loan yields do not keep pace.
Competitive intensity in business banking lending
Business banking is a competitive segment with pressure on yields; growth may come at lower margins, though management focuses on overall customer profitability.